St. Clair County property record for 4887 Pointe Tremble Rd, Algonac, MI 48001
| Property Type | Single Family Home |
|---|---|
| Details | 1.5 ba · 2,202 sqft |
| Lot Size | 0.528 acres (23,000 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $2,059 (2025) |
| Deeds & Mortgages | Apr 2026 Transfer Jan 2026 Line of Credit + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 74-14-433-0047-000 |
| Primary APN | 74-14-433-0047-000 |
|---|
| Full Baths | 1.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Building Area | 2,202 sqft Living Area |
| 1st Floor Area | 1,464 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Lot Area | 23,000 sqft (0.528 acres) |
|---|---|
| Lot Dimensions | 460 ft deep x 50 ft wide |
| Garage Area | 273 sqft |
| Parking Spaces | 1 Parking Space |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 4887 POINTE TREMBLE RD |
|---|---|
| City | ALGONAC |
| State | MI |
| Zip | 48001-4359 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1 |
| Legal Description | LOT 160 SUPERVISOR ROY T GILBERT'S PLAT NO. 1 |
| Legal Subdivision | SUPRVRS ROY T GILBERTS 1-CLAY |
| Legal Lot Number | 160 |
| Legal Unit | 160 |
| Jurisdiction | SAINT CLAIR MI |
| Township / Civil Division | CLAY |
| Census Block Group | 2 |
| Census Block | 2002 |
| Census Tract | 647000 |
Source: St. Clair County records · APN 74-14-433-0047-000
Assessment roll updated October 7, 2025 · Last verified May 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 4887 POINTE TREMBLE RD, ALGONAC, MI 48001-4359 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Life Estate |
| Date | Document |
|---|---|
| Apr 30, 2026 | Quit Claim Deed, Transfer NONE LISTED ON DOCUMENT |
| Jan 07, 2026 | Deed of Trust, Mortgage · Line of Credit MICHIGAN SCHOOLS & GOVERNMENT CU |
| Apr 16, 2024 | Deed of Trust, Mortgage · Line of Credit MICHIGAN SCHOOLS & GOVERNMENT CU |
| Dec 02, 2020 | Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA NA |
| Dec 16, 2017 | Deed of Trust, Mortgage · Conventional Mortgage HOMEWARD RESID'L |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Transfer Date | Apr 24, 2026 |
| Transfer Doc | 0000008845 |
| Record Updated | Sep 20, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SAINT CLAIR MI |
| Recording Date | Apr 30, 2026 |
| Property Address | 4887 POINTE TREMBLE RD, ALGONAC, MI 48001-4359 |
| Document Number | 0000008845 |
| Book / Page | 5919 / 810 |
| Instrument Date | Apr 24, 2026 |
| Instrument | 20268845 |
| Transaction Type | Transfer |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Life Estate |
| Address | 4887 POINTE TREMBLE RD, ALGONAC, MI 48001-4359 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAINT CLAIR MI |
| Property Address | 4887 POINTE TREMBLE RD, ALGONAC, MI 48001-4359 |
| Transaction Type | Mortgage |
| Record Updated | Jan 19, 2026 |
| Name | Verified Name |
|---|---|
| Address | 40400 GARFIELD RD, CLINTON TOWNSHIP, MI 48038-4004 |
| Document Number | 0005886420 |
|---|---|
| Date | Jan 07, 2026 |
| Book Page | 5886/420 |
| Instrument | 2026000336 |
| Name | MICHIGAN SCHOOLS & GOVERNMENT CU |
|---|---|
| Type | Credit Union |
| Address | 40400 GARFIELD RD, CLINTON TOWNSHIP, MI 48038 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Jan 28, 2051 |
| Change Frequency | Monthly |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAINT CLAIR MI |
| Property Address | 4887 POINTE TREMBLE RD, ALGONAC, MI 48001-4359 |
| Transaction Type | Mortgage |
| Record Updated | May 03, 2024 |
| Name | Verified Name |
|---|---|
| Address | 4887 POINTE TREMBLE RD, ALGONAC, MI 48001-4359 |
| Document Number | 0005706400 |
|---|---|
| Date | Apr 16, 2024 |
| Book Page | 5706/400 |
| Instrument | 2024006983 |
| Name | MICHIGAN SCHOOLS & GOVERNMENT CU |
|---|---|
| Type | Credit Union |
| Address | 4555 INVESTMENT DR, TROY, MI 48098 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Apr 15, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAINT CLAIR MI |
| Property Address | 4887 POINTE TREMBLE RD, ALGONAC, MI 48001-4359 |
| Transaction Type | Mortgage |
| Record Updated | Feb 11, 2022 |
| Title Company | TITLE365 |
| Name | Verified Name |
|---|---|
| Address | 13761 GRAHAM DR, SHELBY TOWNSHIP, MI 48315-3822 |
| Document Number | 0005281549 |
|---|---|
| Date | Dec 02, 2020 |
| Book Page | 5281/549 |
| Instrument | 2020030485 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Dec 01, 2040 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAINT CLAIR MI |
| Property Address | 4887 POINTE TREMBLE RD, ALGONAC, MI 48001-4359 |
| Document Number | 0049020107 |
| Book / Page | 004902 / 000107 |
| Instrument Date | Dec 16, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jan 31, 2018 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 13761 GRAHAM DR SHELBY TOWNSHIP MI 483153822, SHELBY TOWNSHIP, MI 48315-3822 |
| Document Number | 0049020107 |
|---|---|
| Date | Dec 26, 2017 |
| Book Page | 004902/000107 |
| Name | HOMEWARD RESID'L |
|---|---|
| Address | ADDISON, TX 75001 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Dec 25, 2037 |
Source: St. Clair County records · Assessment roll updated October 7, 2025 · Last verified May 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | St. Clair County |
| County Subdivision | Clay Township |
| Unified School District | Algonac Community School District (KG - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,059.00 (-42.16%) Homeowner's exemption | $132,200 (-6.44%) | |
| 2024 | $3,560.00 (-27.57%) | $264,400 (-6.44%) | |
| 2023 | $141,300 | ||
| 2022 | $4,915.00 | $282,600 |
Source: FEMA National Flood Hazard Layer, St. Clair County (26147C), updated July 20, 2022 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 261476470002, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 143 policies |
| Nearby Flood Policies | 143 in force |
| Nearby Flood Claims | 77 (1985–2024) |
| Claims Outside the SFHA | 56 of 77 |
| Most Recent Claim | Jan 2024 |
| Wildfire Risk | Low lower than 80% of the US · above 51% of Michigan |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · sampled at 169 locations within half a mile · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
May also be available: AT&T.
Source: EPA Safe Drinking Water Information System via ECHO, 2026 Q3 · EPA community water system boundaries v3.0, March 2026 · Last verified October 2026
| Water System | CLAY TOWNSHIP serves 9,866 people |
|---|---|
| Water Source | Purchased surface water from CITY OF ALGONAC |
| Last State Inspection | May 2021 |
| Lead | 3 ppb (2021–2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None last 3 years |
Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ. The full violation and enforcement history is in the system's EPA record.
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